I recently had the opportunity to write a preface to Robert Pagliarini’s ebook on surviving the 2009 financial crisis, titled Plan Z: How to Survive the 2009 Financial Crisis. My preface covered a topic I’m sure regular readers of Bargaineering recognize, Your Financial Network Map, but the rest of the 80-page e-book should be new material for you.

Robert Pagliarini is a certified financial planner that wrote the Six-Day Financial Makeover and is a regular magazine contributor to Affluent magazine. In Plan Z, Robert writes about what you should do right now to help navigate the financial crisis and economic recession we are currently in.

If you’re concerned about how tenuous your finances are and you aren’t sure what you should be doing, I recommend that you read Plan Z. It’s an absolutely free ebook that doesn’t try to sell you on Robert’s services (though he does offer up his credentials to prove you should listen to what he has to say), so there’s no reason why you shouldn’t give it a look.

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8 Responses to “Plan Z: How to Survive the 2009 Financial Crisis [FREE]”

just downloaded it and read the whole thing. Awesome book Robert. It certainly makes a heck of a lot of sense. It is refreshing when other professionals will actually come out and tell people the truth even if it doesn’t toe the main stream line. Especially to come out and say these things in the main stream press. You are right on target though. What good are you if you lose your job and have no money and no credit. Everyone must focus on setting up cash reserves and do it now!!. Kudos Robert. I will be looking you up on Facebook and Twitter. Keep the good stuff coming.

This is the kind of advice that will get the poor souls who follow it deeper in the hole. No wonder financial planners have such bad reputation! Sure, go take a loan to have a “faux emergency fund”. Maybe the only one dimmer than the one taking out the loan is the one loaning the money.

@Santos In a perfect world, we’d all be financially successful and independent. We’d all have 12 months of living expenses in cash, a secure job, a well-managed investment portfolio, and kids who listened to their parents. But alas, we do not live in this world.

Question for you . . . if you had no savings and you lost your job, would you rather be debt free, hungry, and homeless, or would you rather have a few grand in the bank to pay rent and buy food while you try to get back on your feet? I’d rather be in debt than homeless.

Should everyone get a loan to buy crap they don’t need? Obviously not. The faux fund are for those who are already on the edge and concerned that if they get laid off they will be out on the street. That person, and I’d argue society as a whole, is much better off if they get the loan and have the opportunity and time to get a job. I’m not sure where you live, but the homeless I see are not benefiting themselves or society.

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